Chase Credit Cards Reviews

Today, Nov. 30, 2009, I received in the mail a change in terms notice that stated interest rates would be increased a minimum of 7% on all current and future balances unless I opt out of the changes and close my account before it takes effect on Dec. 1, tomorrow. How is it legal for them to give no notice so that they can get under the wire of the Dec. 1 enactment of the credit card consumer rights bill? The government needs to take stronger action against these financial institutions who seem to be able to do as they please with no repercussions.

I received an offer in the mail to do a balance transfer with 0% interest for a period of time. I called to see if I could do a balance transfer from my AAA card account in the amount of $15k because my payment on that card went from $160 to $567 (handled via BOA which I will write about next) when they claimed I was late, when I was not. I explained to the rep what I wanted to do before she processed the information. They processed the data and then let me know that I was approved for $1,500. I told the rep that I did not want nor need a balance transfer of $1,500 because all this would do is create a new bill for me and do absolutely nothing to bill that I already had.

After being a customer for over 15 years, I was charged a $29.00 late fee for being one minute late on my credit card payment. When I called and asked to have the charge removed, they refused. I paid the bill in full the day it was due, but they said since it was after 4:00 PM EST, it counted for the next day. I live on the west coast and paid the bill before 1:00PM. Chase will not see any more business from me. I no longer trust corporations or the politicians that support them.

The credit card company raised the interest rate from 13.9% to 23.99%. When I called them on it, Chase claimed a letter was sent explaining this rate hike and I could have opted out on the rate. I would never agree to a rate hike. I am unemployed. This has raised my payments. I am struggling to pay the debt I have acquired since the downturn.

I was billed a charge for fraud detector that I did not ask for, so it was a fraud charge, I did cancel it and they refunded the account. Then because there was a balance on their payment protector, they charged me 14 cents. I did not have a balance so there should be no 14-cent fee! Because of this, I did not have a balance, but they said I did, the 14 cents that should have never been on there! So now, I am being charged a $30 late fee on an account that should have been 0 balance! What a rip off! Chase credit card put these fees on there that should not be and then charges me a late fee for fraud charges! I will be canceling my cards!

Just a comment. I happened to review my November bill and saw the interest rate go from 13.24% to 19.24%. I've never been late with payments and my FICO is 780. Amazing. Let's give them another multimillion dollar bonus for raping their customers, especially their good ones. A call to ask relief produced no results based on past payment history. They claim, "Oh didn't you get our letter in July that rates were increasing and you had the opportunity to opt out?" Yeah right. I am laid off but will be transferring my $4,500 balance to Capital One at 11.24% fixed with no balance transfer fee.

I too had an interest rate of 12.24%. A few months ago, they lowered my credit limit and raised the interest to 15.24%. Now I am informed they raised the interest to 23.24% beginning in January 2010. I would happily close the account, but it is my only credit card and I have not been successful in transferring the balance. I have never been late and pay more than minimum, and never had a balance until the last few months. Chase Bank needs to **!

Both my husband and I have used Chase Visa cards for years. We have had numerous problems through the years with them but still used them. In September 2009, Karl's bill came in with a 125% increase on the minimum amount due. His minimum amount was $315. He always paid more than the minimum due and on time. The bill came in at $775 minimum due. He did everything, calling our congressmen, Better Business Bureau and the Federal Trade Commission. Chase found a loophole and they're getting away with it. That same week, I received a letter from Chase on one of my cards, thanking me for enrolling into some program of theirs. I never enroll into any of their programs because there's always a monthly fee with interest. I called right away and informed them of their error and demanded the card to be cancelled. For Karl's card, we've transferred most of it to a Mastercard and will pay the rest off next week. We are cancelling all of our Visa cards and taking our money elsewhere.

They raised my credit card rates from about 15% to almost 24% for no reason. They said I was sent an opt out notice to close the account or pay the higher interest rate. Nothing like getting a gun put to your head, huh? This bank is horrible. I had 2 other credit card accounts with them including a Southwest Airlines Rapid Rewards which I closed out as well. Do yourself a favor and close all accounts with Chase Bank!

They forced me to cancel my card. Basically they upped the interest on my platinum card from 12% APR to 24% to 28% APR for absolutely no reason. I'm a low risk cardholder in good standing. This is unacceptable. I have two checking accounts with them and I have no idea if they are going to think up some way of adding phantom fees to steal money out of those accounts or what I just don't know. It is going to affect my credit scores. Clearly, this company uses methods of thievery to operate and I'd like to believe they'll be held accountable. Thank you for your time.

Chase is claiming I was late on a payment although all payments sent to my billers on that date were not late. I asked how many times since I opened this account in 2002 I was late with a payment, and was told never. Even with that and the fact that for the last five years, I also make a mortgage payment of over $1,400 (also never late), they would not waive the fee saying it was not their policy.

I got a Chase Visa which was supposed to have a fixed rate of 8.99%. After the introductory period, when the time came to pay interest, it came in on the bill at 9.99%. Now my last statement came in, and they raised the interest to13.24%. I have never been late, and I always pay way more by hundreds of dollars more than required. And yet my fixed rate for which I signed up for is now a variable rate.

Did you know? According to the Chase credit card and calendar, Friday, November 27, actually ends at 4:00PM East Coast DST. Yes, although the sun is still up and it still says Friday on everybody's computers and it's only 3:00 in some parts of the country. Apparently, Chase can decide what late means and when their fee policy can kick into effect. Whoops, 5 minutes past 4:00? Late! Yeah, let the suckers fall into the trap where we charge $14.95 to pay online on time! Because we say it's late, it's late! Evil, evil, evil.

I was recently laid off from my job and only get paid every two weeks now. I informed Chase of what happened and was trying to make arrangement to move my payment date to the date my unemployment comes in. Instead of helping me, Chase constantly calls my phone even after the situation was explained. Then a customer services person asked me why I could not pay my late fees even though my payment was to date because they took two payments at once. She basically said to me, "You're a plumber, can you find some side work to pay your fees?" I found that out of line for her to do, considering I try to do as much side work as possible and even though I sometimes get work, I still need to provide food and a roof for myself.

The basic facts of my dispute with Chase Credit Card Services are summarized as follows:

I would like to know why Chase has raised my interest rate from an APR of 20.24% to 26.24%. I called to see if we could get a better rate and they said no, and asked if I received a notice that the rates were going up on 11/1/09. Maybe Chase should not have purchased WAMU. In a time when things are tough, why does our elected officials allow this to happen? Or, do we still let them give money away and then stick it to us?

I opened up my statement and found that my interest rate had jumped to 15% from the 9% (which I was ok with)! When I placed my call, I was told that a letter was mailed to me in June and that the increase started on October 1, 2009. I was assured by the gal from Chase that this was the best interest rate around and that I should just stay with them. She further called me "dear" and "honey." I don't think so! I should mention that I have never missed or been late on a payment and my last payment was over $2000! Within seconds I found another company that offered me 0% for a year and a 3% transfer fee. I guess I did find a better rate.

I am a medical student working part-time and having financial difficulties. I had called Chase card services explaining that I was unable to make the payment by the due date and if there was anything that they could do for me regarding a payment plan because I felt if I acted soon enough, I could avoid late fees and delinquencies involving my credit. I spoke with someone with Chase card services, and they told me there is nothing they could do and that if I did not make the payments, I would eventually be put in collections. I was very upset and could not believe a company as big as Chase did not have help for people in financial difficulty.

I was sent over and over again balance transfer checks. I decided to finally take them up on one for 0% interest for 10 months. After using the check, Chase reduced credit limits and canceled one card in which I had a zero balance.

I opened a Chase Visa in 2005 because Citibank arbitrarily raised my APR. I had a fixed APR of 7.99% from Chase and always paid more than the minimum payment or paid off the entire balance. Like millions of other good customers, I received notice in August of 2009 that my Chase Visa will have a variable APR starting in October of 2009. I am paying off my balance, and I will not use my Chase card again. I am disgusted that Chase is taking advantage of loyal customers. My money will no longer go into their greedy hands.

My credit card bills have been coming way too high every month. I pay about $130 every month for a credit card I don't use. I have spoken to a customer representative and she told me it's because I am close to my credit limit. The reason why I am close to my credit limit is because when I received the card, my credit limit was $2,000, but as I continued to use the card being that I was unemployed at the time, Chase cut my credit limit to $1600 without notifying me in advance. Every month, I was calling and complaining because when I pay my bill online, it tells me I have to pay one amount. Then the next month, I find out I have a late fee because I didn't pay the full amount which seemed to never make any sense to me. When I call Chase Credit Card Services, every customer rep tells me the same thing, there is nothing they can do about it. Ever since Chase increased my APR charges and added protective customer plan to my card without my consent, my credit card bill has become unaffordable and out of control.

I own a business and have been with Chase for over 15 years. In July of '09, a company who has for years debited a monthly payment from my Chase credit card called to inform me it was denied. Knowing I was not over the limit or past due, I called Chase to discover they closed my account. I had never been past due, over the limit or even late in my payments. Reason given? I didn't use the card enough! I attempted to work with them without success so I closed my business checking, personal checking and savings account with them.

I just received a notice that they'll be changing the terms on my Chase/Amazon.com credit card to a variable interest rate. Variable interest rate on a low balance credit card, pathetic. Who knows what they'll take the liberty to change the interest rate to especially after reading all these other complaints. So I just paid my balance in full and will be closing my account after the transaction goes through. The whole idea of a variable interest rate on a credit card is absurd - bunch of thieves. They pulled these same shenanigans on my parents and gave them some ** to fight (annual membership fees, etc. even after account closing due to sudden changes in interest rates), but I won't deal with it even if it affects my credit score. The principle of it all is what matters here. Boycott (or transfer your balance from) Chase!

I had a WaMu credit card until Chase took it over. I never carry a balance more than $200-$300 and I always pay on time or early. I also do my personal and business banking through Chase. When I tried to pay my credit card online on 11/13, I wasn't able to due to their site being down. I went online on 11/15 and paid my balance in full. I noticed then that they charged me a $39 late fee on 11/13! I called to dispute since their site was down and was told that I should have called to pay over the phone. I was then given a canned line about how they are not reversing any fees, for any reason for any customers. He proceeded to tell me that I broke the "terms and conditions" of the "bank loan" and therefore nothing would be reversed, regardless of the fact that their site was down and that my payment was received 2 days later. I thought the arrogant attitude of the supervisor I spoke to was disgusting. I'm extremely disappointed and looking at canceling my card and moving all of my personal and business accounts to a smaller bank.

I had a WaMu credit card that changed to a Chase card. I have never been late and always pay over the minimum. I have received a change of terms notice. I can accept changes, including the interest rate going from 12.24% to 21.99% (17.99% over prime). If I reject these changes, then when I have the account paid off, the account will be closed. As I understand it, when I close an account, it adversely affects my credit score. When I called and talked to a rep about the notice, he could not give me a reason except the bad economy. I have written a letter to Chase telling them what I think. I plan to send a copy to my representatives in Washington, DC. What else can I do? This is the 4th credit card notice in the last year I have received like this. With the lowest interest rates in decades, why is this happening?

I have three Chase credit cards and always have been on time with payments. I have one card with 0 balance for a year and received checks for this card with 0% or 1.99% APR. I declined all these offers, but just last week, I decided to use transfer option to my other credit card (not Chase). The next day, Chase cut our credit lines on all 3 Chase credit cards which made my balance transfer void. Also, overlimit fee was charged, as financial interest was charged the same day. I really want to stay out of business with Chase!

I have had a credit card that was transferred from Washington Mutual to Providian, and then Chase. Since the swap to Chase, I have seen one increase on top of another in regards to my APR and additional fees. The few times I have called to discuss the information with a Chase representative, there have been multiple periods of having to be on hold, needing to enter information by phone and then having to repeat the information to the rep over the phone. They have increasingly requested more and more additional information to verify that I am the cardholder: card number, name, address, SSN, date of birth, and currently needing to provide them with a security word.

I opened a charge card with a $10,000 limit on 5-13-08, account ending in #***. My fiancee accidentally charged $200 over the limit so immediately called to repair the problem. The account balance is $10,200. Since that date, I have never purchased one item on this card. I paid $15,500 to pay the account down below limit. I set up terms with 2% interest and payments. I could afford $300.00. I have confirmation of this transaction. I work 7-12 hours per day and I had auto draft set up to take care of this credit card. My fiancee recently took over the bill paying and found out that Chase card had not kept the deal they made of 2% interest called LLOP.

I have had a rewards card since 2000. My current card expires in 2011. Chase sent me a new card, and it is a new plan called Chase Sapphire. I called to tell them I do not want another plan due to the new plan does not have monthly cash back. The rep told me that they already changed my card and they were cancelling my rewards card. I have never missed a payment in almost 10 years and do not feel I should have my rewards card taken away. After our conversation, I looked online for another cash back card and Chase is still advertising for enrollment in the rewards card program. I feel this is discrimination that I did not deserve.

I opened Chase credit card back in 10/08. I have never ever been late on my credit card payments (excellent credit) and have been a Platinum Member since 1991. I started using the card in 6/09 and received the first statement in the mail which I paid immediately in full. I didn't receive 8/09-10/09 statement in the mail or notifying customer, however noticed the balance shown up online at the bottom of screen with late fee of $39 appeared on 9/15 and $19 on 10/15+ $1.07 for finance charges.

I just received my statement and I saw a finance charge of $7.12. If you can explain this to me, I will continue to use my Chase card. Otherwise... I feel that you have grabbed me and I don't like it.

Two and a half years after closing my Chase Credit Card account to avoid a change in terms (interest rate increase), Chase decided to raise my rate by 50% without my knowledge. After calling them about it, they said they notified me and I chose to not opt out of the change in terms. What a crock. Customer care specialist, Susan **, can be reached at ** and will not only help you get your original rate back, but she even lowered mine from where it originally was! She is great and I suggest anyone with a problem with Chase Credit Cards to contact her directly for assistance.

On October 16, 2009, Chase sent me a letter advising me my interest rate was being raised from 14.24% to the default APR of prime + 26.99% because I exceeded my credit limit.

I opened a Chase credit card in 2005, and a year later, I even financed a car through them. I have been a very good customer and have a good credit history/rating. In September of 2008, I was sent information that my interest rate was going up. After calling Chase, I was told that the only way to avoid this increase was to close the account. I did so and continued to pay off the balance. Today, I logged in and saw my November statement, and Chase has raised my rate by 3% on a closed account! I called.

I have had a Chase credit card since 2007 - credit line of $16K and a high of $15K+ at one point. It was always paid on time and a great credit score - 753. This credit card was paid off sitting in my desk. A couple of checks recently came in and I was interested in the low APR. I couldn't even find my old card so I called the company to get a new card and review the terms etc. I also asked them about the checks they were sending me with the low APR. All was good and she asked if she could send out a new card. I said yes. Well I reviewed my 2 other CC accounts and saw that I might benefit by using this line of credit to pay down my higher cards.

My husband received a notice telling him that our minimum payment was being increased from 2% of our balance to 5%. It doesn't seem like much except we had a really high balance on the card. We have always paid the payments on time. We were already paying $500 a month. With the increase, our payments would have been over a thousand. No way I could pay it. I contacted Chase, told them we couldn't afford the payment. They transferred me to a hardship department. Yes, they agreed to let me keep paying the $500, but now it's a balance liquidation which has really hurt his credit score and they added $4,000 to the balance for interest. So now we have the next 5 years to get this thing paid off. Be careful of what they offer; it can come back and bite you in the long run.

I received two letters from Chase Bank saying "Here's some checks with a limit of $10,800.00. Use them to pay off your debt." So, I decided to use one of the checks at 0% interest to pay my debts. After I deposited the check, they sent me a letter saying they lowered my limit to $500.00 and now I am over the limit and bounced a check. This is not right! I will not be victim of Chase Bank's deceptive and unfair business practices! I am closing all my account with Chase Bank. The next step is people vs Chase Bank! Trust me, after reading the comments of outraged customers online.

I had Providian card for almost 7 years. After Chase took over, they reduced my credit limit in half which I couldn't care less because I really don't use it, maybe a couple of hundred dollars every six months. Two months ago, I had to use it because the service I was using couldn't read my other cards (technical issue!). I paid my last statement online (total of $230) well before the due date. Since this was my first time working with them initially, I had to re-enter my bank account information which I had been using for years with Providian. I guess because now it was Chase and everything had to be renewed! So I did it and everything seemed to be okay.

I always pay 100% every month and never carry any balance. I found 6 months ago that they charged me for a ridiculous late fee and finance charge. Always read your bill carefully. They are very nasty and ugly. So I called and cancel the card at the end of May and pay off whatever I owe on the day and sent them all the payment immediately. However, they sent me closing statement every month and still associate finance charge, when I owe them zero. I would like to urge all the consumers to stay away from all the bad credit card companies.

My husband is presently unemployed and has been since November of 2008. We have gotten far behind on our account and can't catch up, not only with Chase, but with all of our creditors. In an attempt to keep from filing bankruptcy, we have tried to at least reach some of equitable settlement. However, those whom we have talked with are not willing help us during the time of our hardship. With other creditors, they seem to be more willing to come to some agreement, and I don't understand why Chase being such a reputable bank cannot assist us. My husband is making an attempt to get some monies to try to close this account. At present, my balance is $4369.03. If you can help me, it would be much appreciated.

I recently requested a replacement card from Chase for a WaMu card that was damaged. I received a replacement at the end of October. I called the customer service line on 11/2/09 at 4:33PM pacific time to activate the card. After activating the card, the customer service representative then asked if I would like to change the due date of my monthly payment from its scheduled date of the 14th of November 2009 to a later date of November the 20th 2009, at which time I thought it was a good deal since I would make the payment on a Friday. I even told the CSR of Chase payment would be before the due date of November 20, 2009 and payment would not be a problem since I have never been late on any of my credit cards.

I have had a credit card with Chase for over 10 years. I pay off the balance monthly. Two months ago, my payment which was made from Quicken Bill Pay service apparently did not make it to Chase. I was charged late payment fees and interest charges. Even with proof of the payment as submitted from Quicken Bill Pay, Chase did not credit my account for fees and interest. The next month, Chase submitted my check 3 days prior to the date of the check and caused insufficient funds at my bank. Chase then charged me for a bounced check. I have at least $200 in fees from Chase inefficiencies.

My husband has a Chase Card. He never charged to the full limit and paid more than half of what the minimum payment due was. He had a good month in August and decided to pay the card off; however, he paid it four days later than the due date. A statement was sent the following month for $618 for late fees and interest on a final payment of $183. I was shocked to see the interest and penalty were more than he owed. He has called everyday to dispute it and every person he speaks to says they will take care of it because he was a good customer, but nothing has ever been done.

Like the stories above, I had 2 WaMu credit cards and a Chase card all in good standings until May of 2009! Chase raised my interest rate and then soon later closed my WaMu credit cards. Wow, it took me 3 months to pay the $5,000 balance off the 2 cards. I called and asked Chase why they have closed my Chase credit card? Their reply was that I have been in good standing with them for 5 years. I replied that I have been in good standing with the other 2 credit cards for 10 years. I then told Chase that I could not trust them and closed out my card which has a 32% interest which has a now balance of $3,500. It's down from $7,000 5 months ago. I have lost trust in Chase and will remember. It's not just Chase doing this to people. So I hope that after, all of us remember these days. I hope that when you pay all of your debt to a 0 balance, you remember them.

Chase doubled the interest rate on my credit card due solely to economic conditions as described by the customer service representative I spoke with. I told her that I never received the letter and she said that is not going to fly and what they did was perfectly legal. I told her it may be legal but disreputable business practice and a class action lawsuit may prove me correct. Doubling the interest on my outstanding balance is causing financial hardship at a time when no household can stand the extra burden. I am looking to be a part of any legal action against Chase.

I, like a lot of people, had a WaMu credit card, and I was more than pleased with it! Then Chase took over and it went downhill in a matter of four months. First, Chase notified me of an increase in my interest rate. Then two months later, another rate increase! I've never been late with any of my accounts! Then just two months after that, they closed my account! The reasons were not justified! I feel we, as consumers, don't have any rights whatsoever! Each time I drive by a Chase bank, I get so mad! Stop this insanity!

I have excellent credit in the multiple years that I have had first Providian, then Chase. I was never late. I received a letter in October advising that my limit had been reduced, based on a credit report. I called Chase and challenged them, to which they had absolutely no validation. My other concern was that at the bottom of this letter was a statement which stipulated that if they lowered your overall limit that below what was owed, you would have 45 days to make up the difference or pay an overdraft fee monthly. I questioned the CS rep, who had no rationale as to why this was.

I had a Chase credit card that was converted from a WAMU card. I was very happy with my WAMU accounts and credit card. Yesterday, I received a notice increasing my rate from 10.24% to over 17%. I have never been late with any credit card payments. They can get billions from the government and then stick it to their customers. I am closing out this card and I am also closing my Chase checking and saving account. I know my credit rating will suffer because of this. I refuse to do any more business with Chase.

I had a credit card with WaMu and when Chase took over, they raised my interest rate from 0% to 6% to 9% to 10% and now it's 16%! This has all happened within a year! I have always made more than the minimum payment and never had a late payment. Yesterday, I just received a notice saying that if I do not call or write by December 1, the interest rate will increase to over 20%. I will be making that call today to close the account. This is so unbelievable that Chase can get away with this.

I have had cards with Chase for over four years without any issues. I have an excellent credit rating and have never been late with a payment. Within the past two months, two of my cards have gone from 4.24% to 11.24% and 7.9% to 13.9%. I was outraged. This is what you get for being on time with your payments. If anything, they should be lowering my payments. I called them and they told me they mailed a letter stating that I could have kept my interest rate if I wanted to. I asked the person if he thought I would want my rate increased and why? He said the letter was sent and I could have declined it. I told him now that I know about it, I want my old rate back. He told me I was too late and they could do nothing about it. I have had issues with a close friend and my son in the last two years and had to use the money to get by. I now will have issues making the minimum payments. I can't believe they did this. This country is all about greed anymore. No one cares about each other. It is sad.

I had a credit card through Washington Mutual for a few years that I was very pleased with. Chase took over WAMU in the past year. I had a $12,000.00 credit limit on my card with WAMU and a reasonable interest rate of around 12%. After Chase took over, my limit was reduced to $3,900. I was okay with that, until they increased my interest rate to 22.24% beginning December 1st of this year. This made me angry due to the history I have had with this bank and on this card. I had an auto loan on a 2006 Dodge Caravan with Chase that never was late and was paid off over a year early. All the credit card payments on my account have been on time, never once late. I have been a model customer for this bank.

I refused the credit card. My credit is too good! Expenses would exceed revenue. My credit score is now lower due to Chase request of my credit history from Trans Union.

In July, we received a notice that Chase was raising our interest rate from 5.74% to over 20% for no reason. It was claimed that policy changes were being made to all customers. We have had the card for years and have never paid late. With the letter, there was a new terms and conditions sheet; and within the fine print, it stated that if we chose not to accept the new terms, we could close the account and keep our existing rate. So, we contacted Chase and had the account closed. The following month (August), we received our bill which had the higher interest rate on it. We immediately contacted Chase and informed them of our previous conversation in which we closed the account in order to keep our existing 5.74% rate. They told us that they weren't sure what had happened but they would adjust the rate back and credit us the finance charges that were billed at the higher rate.

I checked out my interest rates shown on my Chase credit card and my business credit line account and found that the APR was lower than the daily rate they actually charged. Example: APR 8.74%, daily rate of .02395 (effective annual rate of 8.74175%). I have also found that more times than what would be expected, my credit card payment due date falls on either a weekend date or holiday. With Chase, you can't make payment online or at a branch on these dates, so you must make payment on the last business day before the due date. On the issue of interest charges, they have not addressed my inquiries on this issue.

I first opened this credit card with Providian, which was later taken over by WaMu and then by Chase. I have never had a problem with late payments or anything of that nature. I always paid this bill from my paycheck on the 15th of each month. When Chase took over, they changed the billing date to the 13th. I asked them to extend it and they said they would the following month. My April 13, 2009 payment did not clear my bank. On April 18, 2009, as soon as I realized my payment was returned, I made a payment. For this one time error, my interest rate on this card was changed from 10.24% to 29.99%. I was shocked and called Chase to see if something could be done since I had this account for so long. I was told that nothing could be done, so I closed the account thinking this would prevent the 29.99% interest rate.

In October 2009, I was notified, without cause, that my credit limits on both my Visa and Mastercard were reduced and that my interest rates were raised to 29.9%. This caused my monthly payments to exceed what I could pay. I notified Chase via e-mail and was notified that after six months of on-time payments (which I continuously did prior to the unilateral changes to my account by Chase) that they'd look at reducing my interest rates and that I'd need to contact another organization within Chase to discuss the reduction to my credit limits. I responded to both organizations that I could not afford the changes and that penalizing me for making on-time payments was ruthless especially, after they had been bailed out with taxpayers dollars. In no way should I have been penalized in this manner and subsequently ruining my credit scores.

Chase has raised my business credit card from a 6.24% APR in January 2009 to 21.99%. I called them and asked for a lower rate when it was at 13.99% and was told that it was the best rate I could get and to check back again in 6 months. Instead of keeping or lowering my rate, they have been increasing it for apparently no reason. I have other credit cards and never had the same problems I have with Chase and their credit cards. I think I've had it with Chase. I have a lot more than my credit card balance between my savings and checking accounts making less than 1 percent. Basically, the same money I have with them is being lent to me at a 22% APR. This is too much.

First, I was with WaMu which was great until Chase bought them out. Their staff's English sucks. They won't help with anything. My interest rate went to the sky at 29%. I think balance was always over the limit. I tried to make payment of $72 on time. They won't help with anything. My balance was $1,022. It was $900 last month. They're just using their economic problem as their wavier to do what they pleased. They need to be stopped! I try to pay all my bills but Chase is about to make me give up on that and just not pay them.

On 11/4/09, I deposited money into my Chase bank account to cover a check I had written. The next day, I checked my bank account and noticed $116.31 transferred to another debit account. I did not know what this was. Apparently, Chase had taken over Bank One, and I had an outstanding charge-off from 2005. I was unaware of this and kept getting the runaround from the numbers I was told to call. I told my bank if I owed money, I would have no problem paying for it but I would like to know how to do it and I did not know it was legal to just withdraw money from my account whenever they wanted.

Before Chase bought my account from Bank One, I was enrolled in a hardship program. I have never paid them late and I met every term agreed to. Almost immediately after Chase bought the account, I began having problems. At first, they were charging me for late fees because the payment date was always the same date each month but the billing cycle revolved enough to begin making my payments appear late, and the original agreement was no more fee accumulation. Then they began losing my payments (which I have since written off as I'll never get that credited to my account). Then they booted me from the hardship program (because I was paying, just not when they wanted and apparently not wanting to give me credit for my payments) which soared my interest rate from 6 percent to 27-plus percent. Now as of today, they are only crediting my account $60 of $278 I pay each month. It has been four months of back and forth with them on this issue, never mind the last two years of trying to get back into the hardship program and the back interest.

We have had these accounts for 15+ years and were not aware of any late payments ever and for that matter, we always pay more than the minimum due. My wife and I both have excellent credit, credit histories and FICO scores. Now, all of the sudden Chase raises our APRs from 7.99% and 9.99% to over 13% on both cards. I called to complain and request both cards be restored back to where they were and was told there's nothing we can do. I know we're not alone, and our problem is minor compared to the other complaints posted on this website and heard on television. This is outrageous and something must be done to stop these thieves. It's not bad enough we've had to fund all the bailouts and those thieves, now it's this. What next? You can be assured this is not going to stop anytime soon as the thieves will keep finding other schemes to keep ripping us off and keep getting away with it.

This credit card will not lower my interest rate, as I have requested numerous times in recent months. They decreased my credit line but will not give me or anyone a lower interest rate. I read online that all it takes is a five-minute call for a request to lower interest rate. Chase will not offer a lower interest to anyone! I was told that they are in the black; they do not care if someone has a good credit report or not. This company will not budge. They are not promoting good customer relations. Chase Visa credit card are ripping off consumers! They will not give the consumer what is in the consumer's best interest. They are gouging the consumer to help their selves. The Chase Visa credit card is bad news!

I have a Chase Card. I never received the bill for October. As a result, I missed my payment; and they raised my rate from 12% to 22% and gave me a $39 late fee. And now, because my balance is only around $700, my minimum payment went from $16 a month to at least $50 a month. This all happened because of something I did not do!

If you had a history of paying your credit card bills on time, wouldn't you be considered a good customer? What if you had a six figure balance in savings, checking and CD investments with your bank? Wouldn't you be valued as a client to keep? I received my credit card bill in the mail late and consequently Chase Bank sent me a $6 finance charge and $39 late fee. I paid the balance in full immediately and called Chase to request a waiver for the finance charge and late fee. After being denied by Chase Customer Service Phone Support, I decided to send my request in writing. Today, I was informed by Chase Customer Online Service that they could not waive the $45 in fees. It is appreciated that banks want to be fiscally responsible. However, a customer who pays their bills on time, misses the deadline for a minimum payment and then pays the balance in full before the next billing cycle should be someone Chase wants to keep. It's time for me to look for a bank who values customers like me.

I opted out of a credit card in June, and in October, they raised my rates again saying they sent me a letter two months after my opt out. I did not receive it, so Chase blamed the post office for charging me an extra $50 in finance charges.

I received a change in terms notice from Chase saying my interest rate was going up by about 12%. I could opt out and close the account. I work for Citibank, and people keep calling in, telling us Citibank is going to go out of business because of raising the rates. I got one thing to say: Hello people. All the banks - Bank of America, Chase, Wells Fargo, Discover - they're all doing it before the President's plan starts in December! So wake up. It's not just Citibank; it's all the banks!

This is concerning a credit card that was given to my daughter when she turned 18. I was told when she turned 21 she would be able to have the card as sole person on the card. When she moved to California, I contacted Chase and told them I wanted to be removed from the credit card. I found out they did not when I had my credit check done in 2006. I contacted them and spoke with a Ms. ** who assured me it would be taken care of. I did forget all about this until recently. This card had a maximum of $2000 when I signed her up for this card. This was a card in her name and I did not have any cards in my name as it was officially her card. My daughter fell on hard times out in California. She had lost her job, lost her home, etc. I do know she has had great credit and tried to work something out but no one would speak to her about working out a plan.

After 7 years with Chase Bank, they took my business credit card interest rate from 12.9% to 27.9% without even blinking an eye. The worst part is the new interest charges went against my current balance, not just new charges. I have since closed my business checking and savings accounts. They still hold rights to my business acct. We also have two home mortgages with them. So much for customer care. We also have 3 personal credit accounts with them. I will not be happy until my name is not attached to any Chase Bank transactions.

Chase Bank sent me a notice that they were raising my credit card rate from 11.5% to prime plus 25% that's close to, if not over 30%. I tried to ascertain the reason and they said that my account had been as much as 30 days late. That is complete BS. The most the account was late was 5 days because I was on vacation when it came due. The payment was made as soon as I returned home. I have sent a letter to Mr. Jamie Dimon, President/CEO of Chase informing him that as of January 1, 2010, the day the new rate takes effect, my payments on both my cards will cease and that the bank will have to absorb approximately $11,000. I also offered to negotiate with him, or any U.S. member of his staff on the matter. My terms are firm, however, leave the card open and keep the rate at 11.5%. That rate is bordering on usury but at least it's better than 30%.

WaMu cards raised my credit card rates up very high. One is now 12.24, the other is now 18.99 percent as they were taken over by Chase Card Services. This ruined my credit, and I'm paying these high interests on cards I can't use any more. I had to close the accounts due to high fees.

I received my credit card statement and I was charged $39 late fee. When I called Chase, I was told that they couldn't waive the late fee because it is something new that Chase is doing. I explained that I had paid online and their answer was that after 4 pm, it is considered the next day. I was not aware of this. I have excellent credit and I always pay more that my minimum. They didn't care. I find that their "Customer Service" doesn't exist. You would think that they would be willing to be more understanding, specially that technically I paid the same day. It was just that it was after 4 pm.

I have been a cardholder for several years. I have two cards. First, they reduced my credit for no reason and raised the APR. I have always paid on time and paid more than the amount due. I did not receive my notice in Sept. on one of my cards. They sent me a notice increasing my APR to the max and reducing my limit. I never received a bill for Sept. I never missed a payment or was late. I see that this has happened to more than one person. I am closing both accounts. I do not want to do business with crooks.

I have had a credit card with Chase for many years and have never been late on a payment. My credit line was $40,000 and I had a $6,000 balance. Chase sent me a balance transfer offer which I decided to take advantage of. I attempted to transfer my two other credit cards which totaled $26,000 over to Chase which would have left me with $8,000 in credit. The next day I tried to use my card and it was declined. I called Chase and they informed me that they denied my balance transfers and also reduced my credit line to $7,500 ($32,500 less than the line I have had for years). In addition, the reason I was not able to use my card tonight is because of the outstanding balance transfers even though they were denied. Not only is this a huge inconvenience but I feel like I have been a victim of a crime. What troubles me most is that they solicited me.

Chase closed my credit card account without notice. The card was previously with WaMu. They increased the limit and I am now paying a balance off on a card that I can no longer use and is affecting my credit. I moved to GA from California and now, for alternative cash, I can no longer use this card. If I am late on this closed account even one day after the payment date, I get calls from am to pm, harassing phone calls back to back all day. I am forced to pay, although it has already affected my credit score and I can no longer use the card.

Rates are raised to 13% from 7% without notice beforehand, and there are late payment fees though the amount had been paid before the statement was even issued or asked for. I always send 2 payments of $150.00 each to Chase credit card services - 1 on the 30th and the other on the 15th. Chase raised my APR and minimum payment without notice. Since I was not using the card for the last three months, I did not check to see my charges. After all, I am sending $300.00 a month and spending nothing. I recently checked my online statements, and to my dismay, Chase hit me with a $39 charge for every payment I made. Essentially, they hit me with $78.00 in late payment fees a month. Sneaky, sneaky!

They changed a fixed APR they had on a balance transfer they did. I mentioned to them that I did not receive the change of terms in the mail. They increased my rate from fixed APR from 6.99% to 12.44%. No late payments, nothing like that. So I talked to a manager, Gail, today and told her that I would like to increase my payment instead of paying more interest. They told me that there is nothing they can work out. So I closed my account today and will no longer be banking with them. Anyone thinking about using their fixed APR promotions. Please be aware!

In August 2009, I received a promotional cash advance check from my Chase/Amazon business card account. The offer was for 0% interest for 12 months. I used a check for an $800 cash advance. My account was paid in full prior to this check. In September, I received a statement for $26.40 (a reoccurring charge to JD premium). The cash advance did not show up on that statement. I mailed and sent an online payment from my bank for $27.00. In October, I never received a statement. Since I did not get a statement, I failed to send a payment. Of course, even if I had realized that it had not come, I would not have known what the payment would be with the new balance.

My elderly mother received a phone call on 11-09-2009 from a Ms. ** inquiring about a Sheila and David **. She told my mother that she was trying to get in touch with us and that she had called their number because she had ** listed as my father. Ms. ** stated that it was very, very important that we contact her. My mother was understandably concerned and worried. She wondered why she had not called us at home or on our cellphone, so did I. My mother called me and gave me the message. I had no idea what this was about. I called the number and asked for Ms. **. I was connected to several different people. Finally I spoke with a Ms. **. I explained to her about the phone call to my mother. She proceeded to tell me that it was about a credit card that my husband had with Chase and the payment. I told her that I did not know anything about this account, that we were separated, and my name was not on any of his accounts. She continued to tell me that it said I was responsible for the account. I told her that was not true and that she should not have called my parents.

Our issue is with their Visa card program. Our account has never been late with any creditor, to include JP Morgan Chase. Full pay-off of the $1552 balance on the account was made electronically as a bank transfer on a Sunday, 12 hours after the due date which was Saturday. Neither Saturday nor Sunday was a bank business day, enabling the bank to actually transfer funds from our checking account until the following Monday. Despite their inability to collect the funds due to it being a non-banking day, Chase hit our account for a finance charge of $25.28, an additional penalty of $39.00 and an additional $13.66 finance charge on a $661.00 balance for the following month despite the earlier payoff and no payment being due.

I was extremely disappointed to find out that Chase had closed my line of credit. Although they state that my account was closed over 4 months ago, I have yet to receive a notice from them. I accidentally found out when I mistook the Chase card for my other credit card (that does not charge me a 29% APR) to pay for my $24.00 lunch bill. Needless to say, the measly $24.00 bill was declined. Like several other former WaMu customers, I was completely unaware of the foul business practices of this shady company. Since they acquired my business from WaMu about a year ago, they increased my APR to 29% (before I received notice), they discontinued the free monthly credit monitoring offered by WaMu.

Wow! Who are these people. My son got his first card with them, and it has been a nightmare. He learned his lesson and paid it off in full. And now, they are still billing him for what we don't know at 29% interest. I want to go inside a bank and pay off everything, but no one seems to be able to tell me how to do this. To make matters worse, they told me charges would continue each day at 29% interest. He paid $7000.00 and thought this would do it. But oh no, the insanity continues. This after receiving a letter of payoff and confirming the closing of the account. We will send this next $110.00 (for what we don't know ) but do not know where to go when they hit us again.

I have been a loyal Chase customer for many years and have an 8.9% APR for the entire time. I have never missed a payment and have always paid the minimum or more. Now, they have almost doubled the APR to 15.24%. The credit card companies are really squeezing down on the customers because of something that is out of our control. I didn't vote for this president nor the senators who passed the bill to come down on the credit card companies.

I have been a customer of Chase Bank (formerly WaMu) for several years, always paid my bill on time. Like many others, I was irate about the increased interest rates that I had to accept for my credit card. On my credit card, I have two separate balances, my promotion "transfer" balance and my "regular" balance I have incurred since having this card. I contacted Customer Service and requested to have my monthly payments to apply strictly to the balance with the higher interest rate, which is the "regular" balance. I was informed that I was not allowed to request where the payment was being applied to. I was also informed that if I was to do any balance transfers from that card to another card that I had to transfer out the balance with a lower interest rate before I could transfer that one with a higher interest rate.

I have great credit and have been with Chase since 1999. Without warning, Chase reduced my near $50k credit limit to $20k. When I called, they told me the credit is a privilege. Can the bank really do that? Without any written notice or contact change the terms from under your feet? If I had not checked online, I would not even have known.

I had money left in a retirement account and received a letter from Chase saying that they were going to change the way the account was handled. I had a month to make a decision if I wanted this to occur. I immediately went to the bank to close the account. I never received a check but received a statement saying my account balance was zero. There was no mention of a close-out fee in the paperwork I received from the bank. When I called to find out what happened, I was told that the close-out fee and maintenance fee had eaten up the funds.

We have a Chase credit card for our business, purposely activated with a conservative credit limit. This card is for my employees to use for incidental purchases not requiring my approval. We were at our credit limit when another purchase was put on the card which put us over the limit. Because we went over our limit, our interest rate jumped from 8.99% to 12.27%. This is a "predatory practice". If we were at our limit, the sale should have been declined by Chase, not used as a way to bump up rates. I notified Chase I will pay off the account and retire the card. I have also notified my state representative and senator.

I've had the grave displeasure of having had two credit cards through this company. The first I got when I was young, naive, and desperate. Needless to say, when it came down to starve or use the card, we used the card. I wound up over the limit on a $250 balance by about $20. Money was tight and my boyfriend lost his job, so payments started being late. Then they sent the collectors after me. Let me tell you, Chase employs only the most morally bankrupt and heartless individuals to work for their company. They would call at all hours, when I was doing the best that I could to pay anything towards it. In the end, this card forced me into a debt management program and I wound up paying them over $1000 on a $250 card after their fees.

On Friday, November 6, 2009, I made a large payment in the amount of $1,200 on my credit card. My balance was at the limit before the payment, and no, I don't have great credit. But making that payment, my intent was to reduce my balance and use the available credit for the children's Christmas this year. I went in on Nov. 7 to make sure the payment has hit, and lo and behold, not only has the payment hit but they have lowered my credit limit down to almost the new balance after that large payment.

I've had long-term relationship with Chase credit card services over the years. Each month, Chase sends me monthly statements to remind me of payment balance. However, I didn't receive October 2009 statement, so I couldn't send the payment. I've never had late payment over the years with Chase services, yet they charged me with a $39.00 late fee. I feel that they should reconsider this matter and waive the fee of $39. Thank you.

My Visa card has annual fee of $60. After one year, which is 08/01/2009, I called the customer service before 08/01/2009 and I was advised that I have 60 days that I can continue using the card. I closed the account later within 30 days. There are three people using this account: my wife, my daughter and I. My wife continued using the card after I closed the account because she has other credit cards that she is using at the same time and she got confused which card is closed. I later found that the card was not closed and requested the card be closed immediately on 10/14/2009. Each time when I made the phone call to close the account, the customer service representative told me that I will receive the refund check in the mail. I later found that they refused to refund the fee with the reason that the account was not closed until 10//15/2009 after 60 days. I paid $60 for the service that I cannot use since I have moved out of the country.

Chase Bank has seemingly purchased too many customers from other banks’ problems, and now, they are punishing their own customers for their mistake. I am a Chase Bank customer for business and personal. On my most recent statements, I was informed that every interest rate had doubled and was told that it was because of the economy and this was a global change on their part. It did not matter that the payment had never been late or the length of time as a customer. I believe that since they would feel strongly and take action should I break my cardholder agreement, then the same rule should apply to them as well. I complained to the comptroller of the currency at ** and everyone that has experienced this should, too.

I have two credit cards with Chase Bank, one personal and one business. In February of this year, they sent me a notice stating that they were going to raise the interest rate on both accounts to 17.99% from 9.24% for the business MasterCard and something close to that for the personal Visa. The only option they offered me was to close the accounts and continue to pay them off at the current rates, which is what I chose to do. I have been paying off the cards on time every month. I never missed a payment and was never late. My statements said that the accounts were closed and to keep paying them as agreed.

I have a credit card with Chase Bank. I was having the money automatically paid from my bank account on a monthly basis. My mistake was relying on the e-bill. I never checked to see if the bill was being paid in full because when I started paying, it was being paid in full. When I finally checked the website, I found I was being charged $39 in late fees each month and my account balance due was going up each time. I asked about the $39 being taken off and they told me no. They state there was a form sent to my house stating my account due would be based off of 5% instead of 3%. Of course, I didn't think twice about it then because I was sure I was paying more than I was supposed to. I was never sent a paper bill saying my bill was going up. I think the bank should at least send a paper bill when they see they have implemented a change and you missed it. According to them, I owe them over $800 in past due bills and they have charged $39 per month since August in late fees. Again, if I wasn't on e-bill, this would have never happened. I think it is very deceitful.

Every other complaint here rang true with me. I was an original Providian credit card customer for years .The card was sold to WAMU and then to Chase. My credit limit dropped, my interest rate soared to almost 30%, and I have never missed a payment in the history of the card. I always paid more than the minimum and been a good customer. When I called they told me they were reviewing accounts and there was nothing I could do about it. I have been desperately trying to get the card paid off and just be done with it. But now that they have raised my interest points, it’s getting harder to do. I am afraid they will discontinue the account because I'm afraid to use it. Why would I? Loan sharks get about 30 percent, right?

I've had credit problems in the past, but Chase is absolutely the worst company to deal with. I had a card with WaMu for several years. I tried to keep it paid off, but some recent events made me pile up a balance. Even so, I was never late on the card and always paid more than the minimum - usually 2 or 3 times more - and was in good standing with WaMu. Then Chase took over and I just knew trouble was around the corner. Sure enough, within 3 months they cut my limit by $1000, making my credit score drop like a stone.

I enjoyed this account for almost 5 years with Providian/WaMu, but this WaMu/Chase transition is turning into my worst nightmare. I called today, because my purchase APR had risen to almost 17%. The rep told me flat out that they had increased my APR "in order to retain profitability" on my account. I told her I was unemployed and need to have that rate lowered. She said that was not possible. She then hung up on me as she transferred me to the hardship department, where they took my info and then referred me to a credit counseling agency.

I have had a Providian Visa for years - since approximately 1999 or 2000. I started out with a $1500 credit limit, but because of my credit worthiness, my limit was raised to $6500. Providian was eventually bought by WaMu and WaMu was bought by Chase. At the time that Chase acquired my account, I did not have a balance. They sent me a letter a couple of months after they acquired the account, telling me that they were lowering my credit limit by 50% and raising my interest rate because they were "re-evaluating accounts." This made no sense to me, but considering I did not owe them anything, it did not really bother me. On Oct. 30, 2009, I received a letter from Chase telling me that they are now closing my account because it has been inactive for an extended period of time. Had they let me know in advance, I would have purchased something just to assure that the account remained opened, since it is one of my oldest accounts and shows a good credit history.

My son had 2 outstanding balances on Chase credit cards. He had the credit card monthly statement stating balance due by Oct. 16th. We paid both cards in full on the 13th. The next day, it said balance of 0. The day after that, it said we owed more finance charges. We called and talked to 3 different people. They would not reverse the charge. How is that legal for them to state you owe X dollars, then 3 days after paying X dollars, they say you owe more finance charges. It was paid before their due date. Not only that, they also froze the whole account for 10 days. When we called, they said the 2nd card will also have finance charges appear. Sure enough, they probably did it while we were on the phone.

Chase Bank and credit card scam! Beware!! I am so angry! One of my Chase credit cards jumped to a 23% interest rate last month. I called to find out how I could get it reduced and they told me I had a balance transfer option of 4.99% that would be good until October 2011 and that there would be a one time transaction fee of 3%. The way it would have to work though is that I would have to pay off the card and then use the balance transfer check. My balance was $9,400 and I had a $15,600 limit.

Chase raised my interest rate to 23%. I have excellent credit and pay more than the minimum each month. I contacted them, and they said they would reduce the interest rate to 15%. Several days later, I received a letter that said they could not change the interest rate. I then called them again, and they stated that because of the financial situation, they needed to raise the interest rate.

Chase is canceling my credit cards that have not been used in an unstated or arbitrary period of time. These are long-standing accounts in good standing on my credit report, and there is no reason being stated other than non-usage by Chase. They state that the decision cannot be appealed, except to their corporate offices and that I have no other rights in the matter.

We received a letter stating that after reviewing our account, they noticed it had been inactive for an extended period of time. The letter then stated, "We believe this may indicate that the account no longer meets your financial needs. With this in mind, the account has been closed." That was it. We called and spoke to several different people, and they all said the account was closed and there was nothing we could do about it. It's not due to late payment or overcharging on the credit card, but because we had not used the card for an extended period of time. The kicker is that there was 76,438 total points redeemable for the rewards program, and on the latest statement we received, stated in bold print is they would not expire until February 2014. It's equal to approximately $700.00 in cash which was an option.

We had not used the card for approximately a year which had accrued mileage points or a dollar amount. Without warning, they sent a letter stating the account was being closed for inactivity. We called and spoke to a senior financial adviser or whatever his title was. He said that the card was closed because of the terms and conditions stated and there was nothing he could do. Sorry was his response! We had planned on using the mileage points for a trip this winter. There was no warning letter, just the closing of the account letter.

I am an old WaMu customer that was converted to a Chase account holder with the promise that nothing would change in regards to my account specifications. I just learned that Chase closed out 2 credit cards without any notice on Oct. 15, 2009. I received notices of increasing the interest rate on 10/30/09 2 weeks after they already closed my account! I learned of these closures when I reviewed my credit reports on November 1, 2009. I would think notification is required before this action is taken.

Chase consumers, beware! I've had a Chase Visa Credit Card for over 15 years. I'm an excellent customer without being late on a single payment. I just learned today my interest rate nearly doubled from one month to the next. I was told a letter went out and I had the option to close my account and keep the low interest rate I currently had. I didn't see the letter. What a shock to me to learn that my good standing with Chase meant nothing. It never mattered. In fact, their most loyal customers are the only ones they can zap with their scheme to raise interest rates. Fortunately, I will move my balance to a lower interest rate card; but I feel for those who cannot do anything about it and are stuck with this kind of debt. If you are a current customer of theirs, read all their mail! In the meantime, be prepared to move your account balances as soon as possible. They are making up for their recent loss due to the economy, and their customers are the ones paying for it.

I had 3 Chase cards, 1 because of their buy-out of WaMu. I have made every single payment on time for several years. I paid off one of the cards, and they lowered my limit from $4,500 to $400 then just closed the account. Another card they closed arbitrarily. I called and asked why they did this. I was late once on one card. They said it was their decision based on my outstanding debt. My outstanding debt was only $25k for the few credit cards I own. They never called or sent a letter to update my income, which is significant and more than enough to manage my debt responsibly. Even without that info, I was in good standing, or so I thought. Then today, I got a letter on a closed account, which still has a balance. It said they were increasing my interest rate to 28.9% and that if I didn't agree, they would close my account. Who is running this division? So I expressed my disappointment and closed my last card account with them. I find their practices deceiving, unfair and gouging to the good consumer.

I urge you to help me by protesting Visa/Chase Bank! I have been with this credit card company since 2004 and have never been late on a payment. My son who is in the Marines phoned in September to tell me that he has been placed on standby to deploy to Afghanistan. Being a new mom to the military, I was stunned, shocked, and, of course, upset! Well, I admit that I did not make the payment for September for the simple fact that I overlooked it. I wasn’t thinking about it.

I couldn't get into my account online to pay my credit card off, which I do in full every month. (I see from previous postings that Chase doesn't work with browsers other than IE, and I use Safari.) I called to pay over the phone and was charged $9.95 to do so. I was charged to pay them in full on time. They charged me! When I tried to get hold of a live body, the charge went up to $15. This is robbery, plain and simple. I will write to my congress person, cancel my card, and go to my credit union for a card.

I closed my account after paying the balance. $5 was then automatically withdrawn from my bank account that I had to close due to identity theft, resulting in a return check fee, a late fee and a processing fee. Now, a $5 charge is a $60 charge. Since I closed and cancelled the account, I didn't think I would have to update a new bank account to Chase. Chase responded that I also had to stop the automatic withdrawal - just because I closed the account doesn't stop that payment. Also, when I closed the account, I clearly stated that I had paid it off. Obviously, they looked at the account to close it but never mentioned that there was still a $5 balance. The account was closed. They should never have been able to charge my bank account. If you have automatic payment set up with your credit card company, you need to make sure to cancel that as well as cancelling the credit card. Total scam! Better yet, stay away from Chase!

Well, my story, like everyone else, is with the way how Chase credit card is dealing with us as a Chase customer. I’ve been with Chase Bank since a long time for sure - 5 years - making payment on time and maybe late once, but well once - who cares? Recently, I start paying and trying to keep my credit in a good shape and trying to make big payment on time and sometimes pay off all what I owe on most of my credit card. What chase did every time I make a large payment is that they go and lower my limit. With one card, I paid it off and they went and closed it. When I called they started saying that I have too many problems on my credit report.

I had my account through Providian for a few years. The % rate was a little high but then it got bought out by Chase (after WaMu). My % rate jumped from 18% to 28.24% and my limit was dropped from $11500 to $7100. It's fine with me, because I do not want a $11500 limit on a credit card. I emailed and asked to have my % rate lowered, and of course, they denied and stated that this was the best % rate they have right now. Not only that, but I have a $132 finance charge monthly! That is just $30 lower than the minimum monthly payment! So now I have to pay the minimum of $225 a month on $5500 on my Chase card.

I set up a payment plan with Chase credit card after WAMU switched to them. My rate increased, and I wanted to discontinue the card. The payment was to be $60/month, which I have been paying on the first, until today that it is. For the past 3 months, they say I owe a $40 late fee charge. Every representative I have spoken to about this waives the fee one month, but it still comes up the next month. The person who called me on 10/29/09 at 8 AM was very rude when I tried to explain to her why I refuse to pay the $40 late fee. Chase credit card is now calling my cellphone 6-8 times a day three days in advance each month before I am to make a payment. I refuse to pay anything at this time until this late fee is removed from my account and I want to close out my account.

My husband received a letter in the mail informing him that Chase had closed his account due to inactivity, and they felt he no longer needed this card. The next day, I received my Chase credit card bill. The balance on the account is around $400. I never had a late payment, and rarely did I even carry a balance. I used this card frequently because the interest rate was 8.99% until this statement where they raised the rate to 15.99%. When I called Chase to question this due to my excellent credit rating, I was told this was due to the new rules going into effect for credit card companies. I immediately requested that this account be closed. This was on 10/31/2009. I do not intend to give any amount of interest to a company that has underhanded policies and would double an interest rate not based on customer credit.

My story is like others that have a Chase card. I used mine for a camping trip, because I did not get paid till after the trip. My account was closed, and it was reported to the credit bureau. Can't something be done about them destroying people’s lives and credit? I can't get a lower interest rate to pay this card off.

My Chase credit card rate has jumped from 7.9% APR to 14.25% - an increase of 78% in my APR. I have a good credit rating, have never been late or missed a payment, never carry a balance past 90 days, and a FICO score in 800s. I called the 1-880 customer service number and tried to get a lower rate, but I had no luck. So I got a new credit card with my credit union at 9.9% APR.

Chase gave my credit card number to one of their preferred vendors. My wife hung up the phone on them at my request. I started seeing billings on my credit card bills that were not authorized. I contacted Chase, and after more than an hour I was finally referred to the fraud division on 12/08. I closed the account that day or soon after. It wasn't long and I received a new card in the mail from Chase - I put it in the paper shredder. I didn't ask Chase for a new card - I didn't intend on using their services again. My account number has been changed 3 times since I closed the account. To top this all off, I was unable to log on to the Chase website on 10/29/09. After a 15-minute conversation with various reps, I was informed that Chase no longer supported AOL.com and I could only log on using Internet Explorer.

I had a WaMu card that I was perfectly happy with which has been recently purchased by Chase bank. Chase has raised my rate for no apparent reason and then hidden the finance charges from plain view on their online statements. This leads one to think they are within their limits. But they then will assess an over-the-limit fee based on the finance charges that are not readily visible that put you over the limit.

I had a credit card through Washington Mutual, and they sold the account to Chase. I made my payments on time each month, even through the transfer of the account to Chase. I had a low interest rate with Washington Mutual. Within two months of Chase purchasing the credit account from Washington Mutual, they billed me for late fees and over the limit fees. The bill clearly stated that I had paid the correct amount on time. I have it in writing. I wrote Washington Mutual and Chase complaining of their mistakes in billing.

I had a WaMu credit card that for no reason increased my interest rate to 29.9%. I couldn't make the new payments because of this rate and my card went into collections. I followed all of the instructions given by collections and was told I would have my account out of collections within 4 months. I did as was told and can't seem to get out of collections. I have tried, begged, and pleaded with Chase to lower my interest rate; but they won't. I can't make the huge payments they now require and I fall farther and farther behind. I had good credit before, but I have now given up hope. My only hope was to have Chase lower the interest rate. Now it looks like bankruptcy is my only option. Ugh. I'm just screwed. Chase won't lower my rate.

I had a Wamu card through My Points for about two years. I never had any issues with them or late payments. I actually paid early and usually the full amount most of the time. Suddenly, Chase takes over my card and I have all kinds of issues. I couldn't get access to their website for almost a month to be able to pay my bill online and attempts to call their customer service to help were no good. In the process of all of this and trying to gain access to pay my bill, I assumed that my due date remained the same as I never received a letter stating that it changed or was I told it change when I had contacted customer service in my attempts to find out why I could not gain access to their website. If I had known, I would have paid on the phone with customer service when I called them! Next thing I know, I get a statement saying I am late on my payment and they charge me a late fee, increased my interest rate to 29.99%, and reduced my credit limit from $1,000.00 to $600.00.

I had a Chase credit card with a $6500 credit limit in August of 2009. At the end of August, they lowered my limit to $3500. They said they felt that I didn’t need that amount, so they lowered it. Now in October of 2009, I had a balance on the card of $988. I was sent convenience checks with a 2.99% interest until 04/2011. So I paid off the $988. And now I had $3500 available, so I mailed one of the checks to another card with a higher interest rate. A few days later, I checked the other card and the check was reversed and I was charged a $39 fee. I called Chase and they said it was denied because Chase decided to close my account after I paid it off.

I just had a card cancelled for no reason other than I had not used it the past few months. It just happened to be the one with the highest credit limit. The card was still showing as active online days after the date on the letter closing the account.

I had been using one card for revolving balances and paying $500 a month. The card had a limit of $5,000. Without notice, they raised our interest rate to 19.99%. I called to complain, and they told me that since they had raised the interest rate, a recent purchase when combined with the now higher interest charge sent me over the limit and so they raised the card rate to 26.99% (within a point or so).

I went to pay for an item today via my Chase credit card and was informed the card didn't work. I called Chase and was told they hadn't received a payment - it was 4 days late, so they locked the card. I received no notification of this. I told the Chase customer service rep that I never received a bill. I was informed that the method of billing notification had changed at my request in July to paperless. I stated that I had never requested this change and had received August's bill via paper copy (mail). I also went into my deleted emails and found no billing statement for this month.

I have been a long time Providian customer until they were recently bought out by Chase. I thought that Chase was such a strong bank that they would help the banking industry out. I did not think they would be the opposite. I checked my September statement online and saw my APR dramatically increase from 6.12% in August to 14.76%. I wrote to Chase explaining that I was surprised by the drastic increase in the interest rate. I can't believe that the fees tripled! I explained that I am a good customer who pays my bill on time and above the minimum amount. The increased rate caused a financial hardship for me.

I have a Chase credit card. That was a WaMu card originally. My APR was approximately 10%. Well, I just received a notice from Chase that my APR is going to be increased 100% to a 20% APR next month! This is all the notice that was given to me. When will these practices be outlawed?

I had a Providian credit card with a $10,000 credit limit since 1995. I use it as a backup card, so it is used rarely. Providian was purchased by Washington Mutual a couple of years ago. I saw no change in service from when it was Providian and when it became WAMU. In the mail today, I received a closure notice from Chase. The reason stated was that I hadn't used it recently, so they assumed that they no longer met my financial needs. I called the number to either get the card reinstated or get the existing credit limit on my Chase card raised. I was informed that the card had been permanently closed and that I would have to request that my Chase card limit be raised.

My account with Providian was purchased by Chase. In order to raise my credit line with Providian, I had to pay $99 for either 1 or 2 thousand dollars in credit increases. Today, I learned that Chase has reduced my credit line from $15,500 to $3,800 for absolutely no reason. Since I had to pay at least $1,000 to raise my credit line to $15,500, shouldn't they have to pay me my money back? I paid the fee to get the credit, and they took it away. Had I known that was a possibility, I never would have paid the $99 fee several times.

I have had my credit card with Providian for years. Suddenly Chase took over and my nightmare started. I have never ever been late on my credit card payments. In fact, I have always paid more than the monthly payment. Chase then decided to increase my interest rate and drop my balance. I called them and was told in lieu of the economy, this needed to be done. My foot, it needed to be done. Just last week, they raised me again ... and I still have not missed a payment or been late with my payments. This is all due to the fact that Obama gave the banks bail out money and now the banks can just jerk us working class people around. If there is to be a class action suit, please count me in. This company is so unfair to the middle working class people. If I had the money, I would pay them off and be done with them forever. I am looking into everything I can including closing out my 401k just so I can get these crooks out of my life and out of my pockets. Beware of this credit card company and the crooks working for them!

I desire to join a class action against Chase. They claim I need to forfeit my Lifetime 2.99% to 5.99% on convenience checks I wrote in order to keep my 2% minimum monthly payment until only August 2011 or I am required to make 5% minimum monthly payment, which is impossible since I'm also supporting our son's family of five since he lost his job in February 2009. Chase offered no other feasible payment plan and I contest the legality of having to forfeit lifetime percentage on checks written for the "lifetime of loan."

I am another former WaMu customer here. I had this credit card account with WaMu for years and never had any issues with them, and have never made a late payment. After Chase bought the account, it was one of thousands they decided to close this past July. They raised my interest rate to 31.99% and then they closed the account for no reason. We were in the process of selling our house and buying another and although this lowered my credit score, it didn't lower it enough to stop us from getting the house we wanted. I hope once the current economic situation turns around that consumers remember the companies who did us this way and avoid them like the plague. I know I will.

My credit score is excellent - no late payments to anyone, never over my limit, always pay far more than the minimum payment, etc. Despite being an ideal customer, Chase raised my credit card rate from an already-lousy 13.99% to 17.99% for no reason at all. I called them and asked them to keep it at the lower rate, and they refused. So I paid that card off with money from savings, closed the account, and told them where they could shove their credit card! I'm 42 years old, have a lot of years left probably, and will never ever spend one dollar or have any type account with Chase ever again! What a bunch of scumbags. I can't believe the government is bailing out these freakin' scam artists. They're doing this to people on a massive scale! Just read all over the internet. There are about a million horror stories like mine. Why does anyone have any account with Chase? They are outrageous!

Around 3 months ago, I had my APR down at 10.24%. I received my statement today and the APR rose to 14.24%. There is no reason for it to have increased. I have not used the card in a couple of months. I called and they stated they cannot bring the APR down to the original amount, even though I just had it reduced. They stated if they closed the account, they could lower it back down. I do not wish to close my account. This will affect my credit score. They did not provide an effective solution. I was willing to work with them, but they were not willing to work with my situation. I pay on time, I pay large amounts to pay it off. I never received any statement that the APR was going to rise. If I would have known, I would not have used the card. I have another card with them and am good on payments as well. I am a good customer and I deserve to be treated fairly.

I have had this card for over ten years. It was a membership card for life with a permanent rate of 1.90%. Chase has raised this rate to 8.24% without any notice. They said that they can change it and there's nothing I can do about it. Well, we will see. I have never been late on this card nor has it been anywhere near the limit. What goes around comes around, Chase! Get your credit card somewhere else. They have class-action suits with justifiable cause!

Chase recently purchased my credit card accounts from WaMu. They then bumped my credit card rate up to 29.99%. I called to get it lowered and they said there was nothing they could do, nothing but rip me off. I always pay my bills and have cut my credit cards down from 5 to 1. And they couldn't help me out.

About 2 weeks ago, my wife received purchase checks from her Chase Credit Card account to use to make a major purchase or pay off other debt to consolidate bills. We opted to consolidate other credit cards and get a few things for the house. She had a $10,300 limit, and even with the balance that was on the card ($3600) was well under the limit. She wrote a check for $3160 and deposited it into the bank. Needless to say, they contacted her this morning (10/26/2009) to tell her they weren't honoring it and they were lowering her limit.

Chase raised the monthly minimum on me without me being aware of that. I usually pay them more than the minimum and do it online with bill pay service. I was out of the country and realized that I was charged a $39 late fee and called the office. I was with a rep that said that if I pay now, he will remove the late fee. I decided to send the additional minimum due also on bill pay and not with the rep. When I called again the next week after the payment was received, they said, "Sorry, we cannot do anything." This is a disgrace and unethical.

I am extremely upset with Chase credit card and Chase Bank. Back in 2001 I had a Chase (Toys R Us) credit card. My limit started at $500 and within a couple of years, it increased to $41,000. I started using this credit card for business purchases. I always paid the entire amount off every time I received my statement. Yes, I did forget once in a while, but overall I made my payments on time. Then in August of 2009, I opened a personal bank account at Chase. I had planned to open a business account, but wanted to wait about a month or so. During the month of September, my husband made a payment for the credit card using a separate bank account.

I asked if my interest rate on this card could be reduced and they said no. I understand that when you are a couple of days or one day late, you might not qualify. Apparently, they get my payment on the next day that it's due or on the day that it's due but gets applied the next day. Now, this is resulting in me being charged for $39.00 a month of late fee. This has to stop at some point. I am already paying about 22% interest on a $300.00 balance card. This is outrageous.

I have a Chase credit card. Chase sent balance transfer checks with 0% interests. I used one check, making sure that the amount was lower than the available credit. The check was returned and the available balance was lowered below the amount of the check. In other words, Chase waits until you use a check to decide whether they will pay it or not, whatever your available credit at the time you write the check, putting the customer at risk for charges when the check is returned.

Chase Sony Card sent me some 0% checks with a final payment date of 6/1/10. I have a good credit record, and I have always paid such checks off by the due date in the past. These checks said I could write a check for $11,250, and since I had some funeral expenses for my wife, who had died on September 26, I wrote a check for the limit. When I got my bill recently, in addition to the 3% transaction fee, I received an overlimit fee for $39. Since the offer said the check limit was $11,250, I was surprised at the charge and I called Sony Card Services. The representative I talked to said that there was a proviso in the offer that advised that one takes into consideration the transaction fee so that one would not go over the limit of $11,250 and that she could do nothing about the $39 fee.

For the people that have paid their bill in full but yet receive a statement for additional finance charges, you can go online to your Chase account and dispute your charges! I didn't think it would help either but it did. I paid Chase almost $11,000 last month and went online to check my account and sure enough, there was a "finance" charge for almost $40.00! I said no, but hell no, I am not paying these loan sharks another dime. I sent an email from my Chase account website and the next day, they reversed the finance charges. I printed out the returned email (for evidence) and a few days later, they sent me a letter to confirm they had reversed the charges. I have copies of everything and will keep them till hell freezes over. They won't ever get my business or my money again! Please keep up with your account online. Catch them in the act, then print everything out!

I have a Chase Bank credit card because they took over Washington Mutual. Chase Bank has always been slow processing my payments. I didn't have proof until they processed the August 2009 payment. They credited my account on Labor Day, September 7, 2009. The payment was due on September 6, 2009 and had been mailed on September 1, 2009. They charged me a $39 late fee. I called Chase Bank and pointed out that since there was no mail service on September 6th or 7th, they must have received the payment by September 5th in order to credit my account on September 7th. I reminded them that a payment received on September 5th that was due on the 6th was not late. The call center was in the Philippines and they didn't even understand the problem. They just kept telling me to pay online. I wrote to Chase Bank Customer Service and they still said that the payment had been received late. They would not reverse the late fee.

On 9-27-09, in good faith, I paid my Chase credit card statement dated 8-14-09 to 9-13-09. The balance of the statement was $3,392.25. I paid the statement in full on 9-27-09 when the payment due date was 10-8-09. The finance charge applied to statement for carrying this balance was $29.70, which was included in the balance I paid in full. Yet I received a new statement with a balance, although I paid the full amount required by Chase on my statement. Chase now claims that my new balance of $12.45 is for holding this balance until I paid it. The problem I have with this logic, is my finance charge is included in my statement balance and if I paid the full balance amount and there was no further balance carried, there's no balance to apply an APR interest rate to. Please look into this manner in which Chase charge their cardholders for non-existing balances.

I see numerous complaints from cardholders regarding Chase Bank. I would like to know what is being done about the way they are damaging consumer credit. I also was paying on time. I had WaMu, then Chase took over and it is a disaster. They have ruined my credit and now all the other credit cards I have are jumping up the interest rates. It seems like a scam to me and something should be done.

I received a letter stating that the interest rate is being raised to 29.95%; the card holder may opt out only by paying off the entire balance and close the account. At nearly 30%, it will be a severe budget buster for any customer at this time. I had begun to use the card in hopes of helping the economy by purchasing products. Now, I shall cease to purchase on credit and attempt to pay off these "loan sharks." Congratulations, Chase brain trusts. Your card will get a lot more money coming in now and your card will get much less, if any, usage from your customers. Thus, it's adding to the economy's woes.

As a customer of Washington Mutual, my experience was good. My interest rate was reasonable, and they had the free FICO credit score available every month. Chase took over and they sent a letter that I needed to close my account by a certain date or they would automatically increase the interest rate. It sounds like "Taxation without Representation" ... How is it possible for a company to buy another company and ignore the original agreement legally entered by the customers of the first company?

I just received mail that Chase is raising my credit card interest rate for the second time since Obama signed the credit card bill. Now they are raising it to 29.9%. Note, I have not been late or missed any payments. I would have never used this card if I knew they could do this. I owe $3950 and cannot pay it off. This should be illegal. If I can't pay it, I will just have to stop payment.

Chase has raised my APR to 31.99% and refuses to budge on it. I received a letter yesterday that they were lowering my credit limit. I carry a balance but have always paid on time or early. I am trying to pay down this card but at an interest rate of 31.99%, the majority of the payment goes to interest. The irony is that I received offers from Chase to open a checking account with them. I am resorting to paying off my credit card with a 401K loan, and I will never do business with Chase for anything. The last time I checked, my credit score is in the low 700s, and I have never paid this card late.

Like others who have posted here, Chase decreased my credit line and increased my minimum monthly payment on my 2 Chase credit cards. In addition, they increased my APR on one of my credit cards by 9% after I sent them a large check from an equity line of credit that my credit union told me was open (the credit union told me later that they made a mistake and the account was closed). Although the equity check had no bearing on my regularly scheduled payments, I paid more than the minimum payment by the due date each month. Courtney at Chase told me that this returned check still resulted in an increase in my APR. This is fraudulent, to say the least. There must be some recourse for these deceptive practices! My credit card APR has increased almost 10%.

While paying my credit card bill online, I noticed my interest rate jumped from about 10.24% to 17.24%. I immediately called the 800 # on the back of my card and spoke to Oliver ** who stated that a letter was sent to me last year informing me of the increase. I then asked why a call was not made to me on such an important adjustment. Oliver stated they did all they were required to do and there was nothing more that can be done on my end. I wanted to know why I could not get my previous rate back with the good credit history I had built with them. Oliver stated that it was the bank's decision; nothing more could be done. I asked to speak with a supervisor. Oliver said that he is the supervisor. I then asked to speak with his manager. Oliver said that the manager is there to make sure he answers my questions correctly and that he had done so. I then got Oliver's manager's name and the name of the office of the President.

I am very dissatisfied with the way my situation is being taken care of. I can ignore you and file bankruptcy and say “the hell with it”, but I am taking responsibility in paying off my debt with your company and it doesn't make it any easier when you have people who work for you not give you an honest answer. I started out back in July trying to get this couple of hundred dollars resolved. I was set up on a payment plan that involves the first payment of $30 something dollars, which your company was able to get through my checking account. The next 3 or 4 payments were unable to be withdrawn due to an error in your part because it was unable to locate my account. If it was unable to locate my account, then how was it taken out in the first place? Secondly, it keeps defaulting my account and I have to keep on setting up a new settlement. Is it really my fault? Then finally I called in and say, “Look, set me up again and this time I will just go to the local Chase branch and pay it off monthly there.”

My mother had a Chase account with a credit limit of $3500. I was (and still am) in dire need of financial assistance because my wife's financial aid from school has been delayed and currently I am the only one working. In other words, we are completely broke and need money for bills, groceries, and gas to get back and forth to work and school. So my mom decided to write me a check for $2000 as a loan to be paid back as soon as possible. I deposited the check on 10/19/2009 and started to use the money. As of today (10/22/2009), I spent a total of about $1000 of it. Well, when I checked my bank account online this morning, the check had been returned.

In March 2009, my interest rate was 11.41%. Now it has been increased to 29.99% for no reason. I have done nothing for this to happen. I used to pay about $300 a month. Now they want $500+ with only $141 going on the principal. The rest is interest. Currently my balance is $14,900. I just got a letter today stating they are lowering my "credit line" to $14,500 from the original $15,000 limit. And I have 45 days to bring my account to the new credit limit or face "over limit status" and additional fees for this plus another interest rate increase.

I spoke with a rep with Chase about performing a balance transfer. Not once did the rep mention anything about payments made to the card would get credited to lower APR purchases first. The transfer balance offer I received was for a 6 months 0% interest. But when I called to discuss the payments once my first statement arrived, I was informed that any payments received would contribute to the lower APR, meaning my balance transfer, and that I would incur interest on all my other purchases.

I have a Chase credit card and they lowered the credit limit and raised the interest rate. So I sent them a check for $2,092.52 to pay off this account. I waited a week or so and called them to make sure payment was received. The customer service rep told me payment was received and applied, and balance on this account was zero. I told him to close the account and ran the card through the shredder while we were on the phone. The rep informed me that before closing the account, he was going to redeem my points and have them issue me a check for $50. Great for me.

On Tuesday, October 20, 2009, upon receiving my Chase Bank credit Card statement, I noticed $21.81 deduction under payment Protection Plan. I should have noticed that earlier but because I do not use this card and I like to pay it off, I placed it on auto payment through my bank account. I remember very well that I did not sign up for this plan. I called Chase and they were able to cancel the payment without helping me with my frustrated question of how long or how much money was deducted from my account so far.

I had three credit card accounts through Washington Mutual. When Chase Morgan Bank took over, they have attempted to raise the margin on my interest rate on all three cards by 9%. I realize I do not have to accept their terms and I have not accepted them. It just seems to me that if you pay on time every time and pay more than a minimum balance that you should be rewarded or at least left alone. Instead, I was told by Customer Service that due to the economy and in order to maintain profitability on my account, they have to raise the margin on my accounts by 9%. It seems to me that the banks are responding to new measures passed by the White House by screwing the little guy again even after we were made accountable for their mishandling of funds via all the bank bail-outs. Screw Chase Morgan Bank.

I am writing this on behalf of my husband, Gordon **, who takes care of our finances. We do not have a computer at home. He paid off the full balance of our credit card at Chase Bank Card Services on September 27, 2009. The total is $9,465.94 after they raised the APR rate from 4.15% to 20.56% APR. We received a statement from Chase Bank Card Services on October 21, 2009 showing a new balance of $79.78. He called and asked for a supervisor. He spoke to a person by the name of Ludwig.

I am sending out a warning: Do not use Chase. If you have them, leave them. I was a very happy WaMu cc customer. Please note that I was a perfect customer. I paid early, paid more than the minimum due and had a 5% interest rate. Chase took over and my interest rate jumped to 26%? Huh? I did nothing wrong. For no reason. Then, I get a letter that they closed my account, again for no reason. In the meantime, I'm in the middle of buying a home and Chase is screwing with my credit when I've been a flawless cc holder. Lastly, I paid off the entire balance. Next thing I know, I get a statement with finance charges after I already paid my balance in full. I called them up, spoke to a supervisor and explained my overall experience. They could care less! They have robots that work at Chase. They wouldn't reverse the finance charge. I asked to speak to someone higher and was told to write a letter. I threw up my hands and paid it today and it better finally be over! I do not trust Chase Bank and neither should you! They don't even deserve one star!

My bank account has been deducted over and over again for $138 for an account that is not mine, nor am I linked to the Chase account in any way. I have disputed this and they do not care. I put a block on my bank account and they forced the payment through. I call them everyday and they do not care to fix the problem. My bank reversed the debit and Chase immediately deducted my account again. I want to take all legal actions against them to protect my rights. The first time they deducted the money, they caused me to be overdrawn more then $520. My credit card payments bounced and they racked up over $100 in late charges on two credit cards, and negative reporting on my credit reports. The second time they deducted the money, it left me with no money for gas or food for a week.

I had a WaMu credit card which was purchased by Chase. I make $100 payments twice a month, plus carry a balance and have not been late on this account. In June 2009, I was added to a small checking account held by my dad. Within one month, I received notice that my credit card was closed because the funds in my checking account weren't enough to cover the balance I owed on my credit card. After a call to the customer service number, I was told there was nothing they could do and that they do not take into account past payment or employment history. Forward to the present: I called the toll-free number on October 15 to see what my balance was and then made an electronic payment through my bank to pay off the card. The following day I called Chase to verify my account had a zero balance and the rep confirmed a zero balance and the account was closed.

We never received our statement for our bill and called Chase. They informed us it was due in 2 days and that if we sent it to a specific address in Chicago, there would be no late charge. We have never been late on a payment and so we sent it out right away. Unfortunately, it was 1 day late and we received a $40 late fee. I contacted Chase and was degraded, told that it doesn't matter if we are a good customer, that the late fee stands. Also, I had my wife placed on the account about a month ago and she was flat out told she was not on the account and a liar. I called Chase and put her on the account again and she called back and was still told she was not on the account.

I opened my credit card account almost 10 years ago with Providian then WaMu took over and Chase. I have never been late on a payment and always pay more than the minimum. Last month, I went over my limit by $8 and received a $39 fee for it. I understand and made no fuss about paying it. Last week, I received a letter advising me that my interest rate will be increased from 15% to an outrageous 30% in January. I called three different times and spoke with everyone I could about stopping the increase as it was a small error and I have always been a loyal client. All I got was "Thank you for being a great customer but there is nothing we can do." This is just plain wrong and can't believe the way they have handled my situation. I will never deal with Chase again and will make sure to tell as many people as I can about this outrageous behavior. I will stick with Capital One from now on as they have always been great to me even when I did make an error. Chase Bank should be ashamed of themselves!

Chase Bank is trying to trick me by offering me 60% off my current balance when their debt collector, Valentine & Kebartas, Inc., sent me a settlement offer which they said is approved by their client Chase Bank. I called Chase and asked them if this is true, and their reply was that I have to deal with the collector. I stopped paying Chase when they keep on adding some bogus charges. If I pay this collector, there is no assurance that Chase will honor it and I will still owe Chase the 60% that was deducted. Does anybody had this offer too? I think it is a trick.

I have 3 Chase credit cards. When Washington Mutual was taken over by Chase, my credit card went to 29.99% interest. For no reason at all, the other two Chase credit cards were changed to 29.99%. I pay my bills when due, am never late, and I can't understand why they are charging me so much interest. They did tell me that in 6 months they would evaluate my credit and possibly lower my interest rate if I paid them directly via the internet? I pay my bills electronically through my bank - I don't need to pay through Chase. I am hoping by the end of next year, I will have the cards paid off. I will never, ever have a credit card from Chase as long as I live. I cancelled my checking account with them and went with a better bank. What has happened to this country? Chase should be ashamed of themselves.

I was out of town in the summer and during my trip, my checking account was compromised and my account drained. Long story short, my Chase CC payment was one day late. Rate went from 3.99% to 16.24% + late fees. Similar story to everyone else, I called and figured they would understand and do the right thing. Not the case at all. I went round and round in circles with the patronizing ** on the phone until she used the ploy "you can write a letter to..." to get me off the phone. By the way, if they give you this option, do not waste your time. It does absolutely nothing!

I have two Chase cards. One account, I closed several months ago when I was given the option to close or have my interest raised. Interest was 8.995%. I paid all payments on time. In September, they raised my interest to 17.99%. I immediately called customer service and was told it was a system's error and they would send a corrected statement and roll the interest rate back to what it was. I even received a letter from them saying, "Thank you for bringing the error to our attention." I never received a corrected statement, so I called customer service again before I made the payment as it was considerably more. After I explained the situation, the man I was talking to finally agreed I should pay my normal payment which was $182. I paid it on time.

Chase is a bank that has decided that money has to be made at all costs. We, their customers, are only the means to reach their financial goals. They simply have no respect to the relationship they have with their customers. I am a dentist and I have been a Chase card holder for about 20 years. I went overseas to take care of dying father for three week. When I returned to the States, all of my bills were due. I paid my bills immediately. I realized that Chase bill was due the day before. I called to make a phone payment. They said that it will be posted tomorrow and my interest rate will be increased from 3.99% to 29.9%. I attempted to reason with them but they simply would not listen. I had to pay the entire balance of $20,000 to avoid the high interest fees.

Since 2002, Chase Home Mortgage (claiming smart policy making decision) has started offering 100% financing, which was the worst decision Chase could ever make. I knew that day is not far when all banks will suffer and due to bank mistake, others will get punished for nothing.

We recently received our monthly statement and noticed that the APR had risen to 14%. Our terms of agreement when the card was secured was for a fixed rate of below 10%, and Chase reps repeatedly assured us it would not be raised. They said we paid our bill on time and in full. Now, they said because of tough economic times, banks need more than ever to compensate, etc. and we were notified of a change in terms. We were never notified ever and have repeatedly called to bring the rising APR to Chase's attention. They informed me that we would have to write a letter and fax it to a number they provided and maybe something could be changed. It was based on an individual account basis. Needless to say, I am very frustrated in trying just to get an answer and not passed off or lectured about the banks' tough economic times. Any suggestions? Or should we just cancel the card and move on? Thanks!

Chase/CardMember Service is forwarding credit statements to the incorrect addresses over and over again. It started with me in April 2009 and ended in September 2000. Then in September, not long after I thought this episode of "wrong address forwarding" had ended, Chase began sending a "strange name" credit statement to my home address. I contacted them immediately to correct the problem and they said it would be taken care of, but it wasn't. In October, I received the second "strange name" credit card statement from Chase. Once again, I contacted them about the situation and they said it would be taken care of. Again, it was not. Three days later I get a call at my job asking if this "strange name" person lives at my home address. Once Chase called my job about this matter, I told them that was the last straw and that I was going to open an investigation. That's when I decided I must contact ConsumerAffairs to look into their inaccurate and misinformed billing practices.

I can't say enough bad things about Chase Bank, I will never ever bank with them again and if any of my other credit cards are bought out by this bank, I will close it as fast as I find out they bought it. I have had a credit card with them since I was 18. I am now 39. I received a letter in the mail letting me know that they have chosen to close my account for no reason. I pay on time and I always send more than what they are asking for, and they informed me that my interest would be going up from 5% to 28.75%. I don't understand how they can change my rate after they close my account on items I bought at 5%.

I paid off a small balance of $41.67 to close my account with Chase and then got a bill for $1.00 with a 77.51% effective annual percentage rate. The $1.00 was charged as a finance charge and now puts a $1.00 balance on my account. What is with that? If I pay the $1.00, then will I owe 78 cents next month?

I opened my October credit card statement and found that my interest rate went up to 13.24% from 8.99%. When I called, the operator told me that a notice was sent to me in July. They raised the rate to remain profitable. Why is it my problem that this bank invested in some bad mortgages? I have never been late and actually pay early.

I called Chase about this, but I couldn't get an answer I understood. Last month my payment of $21.06 was due on 10/09/09 and the APR was 24.24% and the finance charge was $1.00. I paid the $21.06 and they received it on October 4, 2009. This month I received a bill (November 8, 2009) for $1.50. The full payment got there before the date due, but I still was charged the finance fee. The month of October the average daily balance said $32.01 and the finance charge was $1.00. This month, November, the average daily balance of $13.51 was $1.50. I don't understand why I was charged or why on a lower ADB it went to a higher finance charge. Also, on the month of October 2009 the effective annual percentage rate (APR) was 37.48%. In November 2009, the APR is 133.23%.

I have had a Chase credit card for 8 years and have a balance of about $11,000, which was a promotional at 3.99% until paid off. Chase just raised the minimum payment from 2% to 5%, increasing the payment by $330/month. They will not allow me to settle the balance, but just offered to lower the payment back to 2% if I would accept a 7.99% interest rate. I wrote and told them I could not afford the extra payment, sent in the usual 2% minimum on time, and now they want me to take the 7.99% or threaten to increase the rate even higher, plus late fees, penalties, etc. I need to decide before my next payment 2 days from now. I have a home equity line with Chase and worry what will happen to that. They already lowered it from $240,000 to $150,000 back when they were still WaMu and I took the rest out and put it in a CD to keep it from disappearing completely.

My story is very similar to the other Chase credit card customers. I previously had 5 Chase cards and 3 with zero balance. Those 3 were recently closed by Chase with no explanation or notification. The other 2 carried a balance and had low fixed interest rates until paid in full. My payments increased from $150 and $200 to $375 and $499. When I called Chase to see why the excessive increase, I was told that they were helping to assist me in paying off my balance faster and thus paying less interest. I never laughed so hard in my life. I can't believe that they would expect anyone to believe this. I have never been late on any credit card payment and have the records to back it up. I'm glad I am in a financial position that I can afford this but Chase is getting way out of line with their tactics, lies and deceit to their customers.

I switched all of my banking over to Chase a year ago, as well as balance transfers for 3 credit cards. I have been on time always. I even convinced my HOA, which I'm on the board, to open their business account with Chase. I recently got notifications on two of my accounts that the interest rate was going up, but I was under the impression that it was only on new purchases. I did some balance transfers on the cards that had a guarantee for a low interest rate for the life of the loan. Now I find out that my interest rate has gone from 8.9% to 15.99%! I am outraged! I want to know if there is any class action against Chase for these practices or if anyone else has complained of this and what I can do. I plan on calling them tomorrow, but I have to say I'm not optimistic.

Within the last few months, Chase raised the APR on two credit cards that I have with them to 19% & 21%. They were previously generous with credit lines too with $11,000 on one and $9,000 on the other. The other day, I received two separate letters from Chase indicating that they were lowering my credit limits to $7800 & $3700 - both accounts will now be within $200-$300 of my current balance limits. I have always been an on-time, good paying customer, but what Chase (and others) are doing is creating greater possibilities for charging penalties & fees or defaults on accounts (like mine) if any payment is late by their definition, and/or for going over credit limits.

Chase bought out my old credit card company Wamu. I have good credit. I never made a payment late and I always pay over my minimum payment, yet with all that Chase jacked up my interest rate from 5% to 12%. When I called to ask why, they would not give me an explanation and they would not negotiate the rate at all. All they said is that I accepted the terms and there was nothing they would do for me. What good does it do to do everything right and still be penalized?! This is an outrage to people who try their hardest to meet obligations. So much for relief for consumers with the new credit card laws. Now, instead of paying off my debt faster, it will take me twice as long and twice the amount of interest. It is hard enough in this economy to stay afloat. This just makes it harder to put food on the table.

I set up for an automatic payment online on 10/9. I accidentally set it up to come out of my Chase checking account which had no money in it. The account overdrew and took from my Chase credit card $100 (charging me a higher APR and a $10 fee). After realizing the mistake, I called the bank and explained the problem. The lady I spoke with told me to make a payment from the account I had originally intended to pay from and then call back the next day when it had posted to get the other payment erased. When I called, I was told that nothing could be done because it "wasn't our fault" and that I could try writing in to get it resolved but that it "probably wouldn't matter". I promptly closed my account.

Back in 2005, I got an equity line from Washington Mutual. I always paid my payment on time. I had $20,000 that I did not use that was a cushion for me to open a business. I opened my business in 2006 with enough personal savings to pay my bills for 1 year (I also had no debt other than my mortgage). The economy turned sour and just when I needed that home equity money, they reduced it to the amount that I owed. This has caused me great harm financially as I then had to rely on credit cards to get me through some tough times. The cost of the interest on the credit cards and having to make so many different payments has caused me to take away much of the time that could have been spent working. I think it is a total violation of fair banking practices and they should be made accountable for my situation and the thousands of others they have caused harm to.

They gave me a Sunday due date, Oct. 4, 2009. I paid by internet banking. On Oct. 2, I could not schedule a payment any sooner than October 5. Last month, another credit card company let me do this. I believe this is the law. If you assign a Sunday due date, you have to accept the next day as being on time. However, Chase assessed me a $39 late fee. I am afraid that they will raise my 17.24% rate to 29.99%. This is what they did with my Chase Visa card in August. Prior to Aug., both of my Chase cards were always due on the 29th of the month. In July, they moved the Mastercard account's date to the 3rd of the next month which is what it used to be. Somehow though I budgeted for the one payment on my Excel spreadsheet, forgot to schedule it on the internet banking service. I didn't realize this till I opened their August billing. Is there any provision about them moving the due dates like this if it causes you to be late on a payment?

My issues with Chase started around April of 2009. I have two cards with Chase. One of my cards was not paid by the due date because of my own oversight. They charged me a $39 late fee, which was the first time since I have had my cards with Chase, formerly WaMu. I called to ask for a one-time fee reversal and they declined. They said that Chase does not reverse any fees. I told them then that I wanted the account closed and it has been closed ever since. Recently while out of town, I missed the payment due date by one day and again, they charged me the $39 late fee, which again was my fault. I didn't try to fight it, since I knew they would do nothing.

We used a customer convenience check with a guaranteed of 4.99% interest until the balance was paid off. Today, the interest is 9.24%. A couple months ago it was 7.99%. Each time I call them, they tell me they'll have to research the account, but I never hear from them again. I called them yesterday and they told me the same thing, “We will research your account.” I told them that they guaranteed the rate of 4.99% until the balance was paid in full and that is why we used the convenience check. I also told them that I knew that there was a class action suit against them. They say they'll call me back, but the rate keeps going up. Help! I used the check to buy a piece of heavy equipment for my construction company. The balance is currently $23,489.16. Chase informed me that I can just pay it off if I don’t like the interest change and I don't have that kind of money. The reason I used the check was to spread the payments out over years at 4.99% interest. What is to stop them from going to 21% interest? Help!

My payment due date was 10/4/2009. I set up an electronic payment to be made on the due date of 10/4/2009. The payment went through on 10/4 (which was a Sunday). Chase didn't accept the payment until 10/5 and are now charging me a $39.00 late fee. This is fraud! They give me a due date of Sunday and then charge me $39.00 for accepting it on Monday. When are these credit card companies going to be stopped from being able to charge people these ridiculous fees? Please note that I am an exceptional customer. I always pay on time and always make payments that are much more than the minimum.

We have a loan we have been paying for the past year or so, I recall. We had a not easy payment of $163.00 usual payment on October 31, our last payment that was set. All our payments have been done on a timely basis except for one which was done and was lost in the mail (we have a copy of the check in our check book). For all the loan, we have had all our payments on time. I called to get the account reviewed but the first operator was rude to me. The second said they were willing to help and sent it to a review board. Well, he kind of forgot. The third person was helpful and sent it in.

This is a copy of the email discussion I had with Chase Visa beginning on August 25, 2009. Notice how naive I was in the beginning. I actually thought they would treat a good customer with respect. When I get this account paid off, I plan to send them a final email telling them that I will never use their company for another thing and neither will my family/friends nor anyone who will listen to me. This was a wake-up call for me. I won't use credit cards as I have in the past. My relationship with credit cards is over. Original Message: "Hello, there is an error on this month's statement. The minimum due says $1,022 but it should be around $400. Please send me a corrected statement. Thanks."

I had 4 Chase cash advances for about $40k for the life of the loan at 3.99% and 4.99% fixed. Payments were 2% of the outstanding balance, no late payments - all cards were on Auto Pay. Suddenly Chase raised the minimum payment to 5% of the loan balance. They said it was to "help me pay off the loans more quickly." They said I could keep a 2% payment if I were to accept a 7.99% interest rate. I said wouldn't that then take me "longer to pay off the loan?" How was that helping?

I have good credit (702) and have 3 Chase credit cards all in good standing. I used BofA Auto Pay on all 3 successfully until last month when I changed one account and the number got input incorrectly. Chase sent me a notice that 2 payments had been declined. I called right away and made an over-the-phone payment and the person told me my account was fine, no reporting to the credit agencies and we were all good.

Despite having a stellar credit record (beacon score of 777), never being late, never missing a payment, Slate-Chase doubled my rate without informing me. The last card that did this informed me and provided the option to opt out, which I did. I closed the account and I would have done the same with this card, but Slate-Chase never notified me. I called customer service today and they told me that according to their computer, they sent out a notice some time ago. Well, I never received it and now my credit card rate has doubled retroactively to the balance.

I just received a Chase credit card bill for $621.99 with a late charge fee of $39.00! I am never late in paying my Chase bill, so I called Chase and asked them why the $39.00 late fee. Chase said that I didn't pay my last month's bill! But I never received a bill from them until now! I asked them to check my past records, that I always pay on time. Maybe this Chase bill was lost in the mail? So I asked Chase to delete the late charge because I just paid the present Chase bill of $621.99, minus the $39.00. But all their customer service agent refused and said that I should know that if I didn't get a Chase bill, I should still send in payment!

I had FIA Credit Card Services (Bank of America) do an electronic check withdrawal from my Chase business checking account without my permission. I went to Chase Bank and was informed that they could do that, so I closed my account and a month later, FIA did the same thing. Chase reopened the account and charged me overdraft fees, service fees. I want to bank and they told me they could do this anytime in a 60-day period. Then Chase withdraw funds from my personal account to cover their fees, overdrew my account and added more fees. Now they told me it's 30 days. It's almost impossible to close your account at Chase. All fees and money charged to a closed account, $435.00.

I recently saw where Chase had raised the APR on my Chase credit card from 8.49% to 15.24%. I have had this card since 2006 and never been late with a payment. I called customer service to find the reason for the change. They told me they sent a letter in June stating if I cancel the card, I could pay the balance at the original rate. If not, the new rate would be 15.24%. I don't understand how this can be legal if I didn't default on the original card agreement. This action seems criminal to me!

Chase Visa charged me a late fee of $39.00 on a credit card payment, which was not paid late. I paid my bill in full whereas my checking account bank records indicate the fee paid to Chase 2 days before the due date. When I contacted Chase, they informed me that they had posted my payment one day after my due date. No answer from Chase card services as to where the money was for the two days prior the due date. Chase refused to refund the $39.00 late fee. It would seem that Chase postpones posting my payment in their system until one day after the due date just to stick me with the $39.00 fee. I've never been late with a payment and thought I was a good customer of Chase. Chase customer service people do not listen nor care. I will look to take my credit card business to another bank. For those of you reading this, I highly recommend you take your credit card business elsewhere. Do not use Chase Bank if possible.

I had a Providian credit card for 12 years in great standing, the card which was taken over by Chase who at that time raised the interest rate to 31.99%. I worked very hard to pay off the amount I had on the card due to that rate. Just after paying the card off in full, I made a 1500-dollar purchase. As soon as I made that purchase, Chase canceled my account; however they never notified me of the closure. A couple of months later, I had paid all but $300 on the card and needed to use it again. The transaction was declined. I called Chase to find out why the card was denied and found that they had closed the account just after I made the $1500 purchase, Chase never notified me that they closed the account, even my statements stated I have a couple of thousand of available credit. When I asked about this, they would not answer, they also would not tell me why they closed the account. I would think they would have to notify you that they are closing the account.

I was divorced in 2004. Shortly before, I took my soon to be ex-wife off my individual charge card with the advice of the Chase rep, rather than close it out. It was Bank One at the time. Three years later, Chase called and said I owe $40,000.00. I never received a statement for three years and I never changed address. I had them send a copy of statements and sure enough, my ex-wife was removed off the statements and the checks. Chase issued her a card and never issued me one. Now she can't pay so they are coming to me. Well I had to protect myself and my property, so I filed a suit which is draining me but it must be done. I only want my attorney fees. This is stress to the max. They lied and said they are the ones that removed her off the checks and statements, but left her on the account to charge. I have dealt with this since March of 2007. Chase is very misleading and evil.

I was recently a WaMu customer and everything was going great. As soon as Chase took over, my payments went up. I called them three times to ask for some kind of help in sending lower payments like I was paying WaMu but they would not budge. I told them I would have to be late because the payments are too high and I have to wait to my other pay period to pay them. They really didn't care about anything I had to say. Customer Service is not like it used to be. I tried to be responsible and do what's right by calling and all they can say was, "Well, even if you did call, there's nothing we can do; it is what it is."

I had accepted an offer for a balance transfer from Chase that put my transfer at 4.99% for the life of the loan. I was paying just over 2% of the balance each month. They have raised my minimum payment to 4.99%. I have never missed a payment. Their alternative is to move to 7.99% and 2% payment. I am extremely angry that they are not holding up their end of the bargain and are punishing their good customers. This is going to cause their good customers into bankruptcy and I will never do business with them again.